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Price (delayed)
$22.32
Market cap
$159.65M
P/E Ratio
13.53
Dividend/share
$0.4
EPS
$1.65
Enterprise value
$178.37M
We are a New York corporation which, in 2016, became the holding company for Hanover Community Bank (the “Bank”) a New York-chartered community commercial bank focusing on highly personalized and
Highlights
Hanover Bancorp's debt has decreased by 26% YoY and by 13% from the previous quarter
Hanover Bancorp's gross profit has increased by 3.1% QoQ and by 2.8% YoY
HNVR's price to earnings (P/E) is 42% higher than its last 4 quarters average of 9.5
The net income has contracted by 20% YoY
Key stats
What are the main financial stats of HNVR
Market
Valuations
Earnings
Shares outstanding
7.15M
Market cap
$159.65M
Enterprise value
$178.37M
Price to earnings (P/E)
13.53
Price to book (P/B)
0.83
Price to sales (P/S)
2.58
EV/EBIT
10.99
EV/EBITDA
8.86
EV/Sales
2.9
Revenue
$61.61M
Gross profit
$61.61M
Net income
$12.21M
EBIT
$16.23M
EBITDA
$20.13M
Free cash flow
$6.24M
Per share
Balance sheet
Liquidity
EPS
$1.65
EPS diluted
$1.65
Free cash flow per share
$0.88
Book value per share
$26.99
Revenue per share
$8.65
TBVPS
$323.95
Total assets
$2.33B
Total liabilities
$2.14B
Debt
$159.95M
Equity
$192.34M
Working capital
N/A
Debt to equity
0.83
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.93
Margins
Efficiency
Dividend
EBITDA margin
32.7%
Gross margin
100%
Net margin
19.8%
Operating margin
26.3%
Return on assets
0.5%
Return on equity
6.5%
Return on invested capital
0.7%
Return on capital employed
N/A
Return on sales
26.3%
Dividend yield
1.79%
DPS
$0.4
Payout ratio
24.2%
HNVR stock price
How has the Hanover Bancorp stock price performed over time
Intraday
-1.5%
1 week
-13.49%
1 month
-6.77%
1 year
28.28%
YTD
26.53%
QTD
24.76%
Financial performance
How have Hanover Bancorp's revenue and profit performed over time
Revenue
$61.61M
Gross profit
$61.61M
Operating income
$16.23M
Net income
$12.21M
Gross margin
100%
Net margin
19.8%
The operating margin has contracted by 22% YoY and by 3.7% from the previous quarter
Hanover Bancorp's net margin has decreased by 22% YoY and by 2.9% from the previous quarter
The company's operating income fell by 20% YoY
The net income has contracted by 20% YoY
Growth
What is Hanover Bancorp's growth rate over time
Valuation
What is Hanover Bancorp stock price valuation
P/E
13.53
P/B
0.83
P/S
2.58
EV/EBIT
10.99
EV/EBITDA
8.86
EV/Sales
2.9
HNVR's price to earnings (P/E) is 42% higher than its last 4 quarters average of 9.5
HNVR's EPS is down by 20% YoY
HNVR's P/B is 38% above its last 4 quarters average of 0.6
HNVR's equity is up by 3.5% year-on-year
The price to sales (P/S) is 29% higher than the last 4 quarters average of 2.0
The revenue has grown by 3.1% from the previous quarter and by 2.8% YoY
Efficiency
How efficient is Hanover Bancorp business performance
Hanover Bancorp's return on invested capital has decreased by 30% YoY
Hanover Bancorp's ROA has decreased by 29% YoY
The company's return on equity fell by 22% YoY
HNVR's ROS is down by 22% YoY and by 3.7% from the previous quarter
Dividends
What is HNVR's dividend history
DPS
$0.4
Dividend yield
1.79%
Payout ratio
24.2%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Hanover Bancorp financials performed over time
The company's total assets is 9% higher than its total liabilities
The total liabilities has grown by 9% YoY
The company's total assets rose by 8% YoY
Hanover Bancorp's debt is 17% less than its equity
HNVR's debt to equity is down by 28% YoY and by 14% from the previous quarter
Hanover Bancorp's debt has decreased by 26% YoY and by 13% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.